{"id":10613,"date":"2025-11-03T15:37:03","date_gmt":"2025-11-03T08:37:03","guid":{"rendered":"https:\/\/tacthome.co.id\/yukari\/prepare-these-costs-before-buying-a-house\/"},"modified":"2025-11-03T15:51:54","modified_gmt":"2025-11-03T08:51:54","slug":"prepare-these-costs-before-buying-a-house","status":"publish","type":"post","link":"https:\/\/tacthome.co.id\/yukari\/en\/prepare-these-costs-before-buying-a-house\/","title":{"rendered":"Prepare These Costs Before Buying a House!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10613\" class=\"elementor elementor-10613 elementor-10604\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8810b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"e8810b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e11c0f0\" data-id=\"e11c0f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-432391d elementor-widget elementor-widget-image\" data-id=\"432391d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/tacthome.co.id\/yukari\/wp-content\/uploads\/2023\/03\/65A_Interior-Update-3-1024x576.jpg\" class=\"attachment-large size-large wp-image-7512\" alt=\"\" srcset=\"https:\/\/tacthome.co.id\/yukari\/wp-content\/uploads\/2023\/03\/65A_Interior-Update-3-1024x576.jpg 1024w, https:\/\/tacthome.co.id\/yukari\/wp-content\/uploads\/2023\/03\/65A_Interior-Update-3-300x169.jpg 300w, https:\/\/tacthome.co.id\/yukari\/wp-content\/uploads\/2023\/03\/65A_Interior-Update-3-768x432.jpg 768w, https:\/\/tacthome.co.id\/yukari\/wp-content\/uploads\/2023\/03\/65A_Interior-Update-3.jpg 1500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Interior of YUKARI Sawangan Type A<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dcc1fe elementor-widget elementor-widget-text-editor\" data-id=\"2dcc1fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>When considering house price promotions or installment plans, prospective buyers often feel that the installment payments are already within their financial means. This is a common misconception. When buying a house, especially with a mortgage (KPR), there are initial costs that must be prepared for during the mortgage application process. From booking fees to insurance, here are the costs you should prepare for before applying for a mortgage.   <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8cfa22 elementor-widget elementor-widget-heading\" data-id=\"b8cfa22\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">1. Booking Fee<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a9ba6 elementor-widget elementor-widget-text-editor\" data-id=\"39a9ba6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The earliest cost incurred when you express interest in a property project is the booking fee. The booking fee often serves as a &#8220;sign of interest&#8221; for buyers in making the purchase. <\/p><p>Some developers reduce the down payment or total home price by the amount of the booking fee received. However, if you change your mind and cancel the purchase, the booking fee is often forfeited, although some are refundable depending on the developer&#8217;s policy. <\/p><p>The amount of the booking fee usually varies depending on the value of the house being sold, ranging from IDR 500,000 to tens of millions of rupiah. <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb5b34 elementor-widget elementor-widget-heading\" data-id=\"2cb5b34\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Provision Fee<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cf79c4 elementor-widget elementor-widget-text-editor\" data-id=\"8cf79c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Another cost you should prepare for is the provision fee. This fee is a service charge imposed by the bank for processing the mortgage loan application. This fee is usually 1% of the approved loan amount.  <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec03f00 elementor-widget elementor-widget-heading\" data-id=\"ec03f00\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Administration Fee<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6f48f2 elementor-widget elementor-widget-text-editor\" data-id=\"f6f48f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Unlike the provision fee, the administration fee covers the administrative processes involved in applying for a mortgage, such as document checks, surveys, and the like. The amount can vary depending on each bank&#8217;s policy. <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4425781 elementor-widget elementor-widget-heading\" data-id=\"4425781\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Appraisal Fee<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d802cb elementor-widget elementor-widget-text-editor\" data-id=\"9d802cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>During the mortgage application process, the bank inspects the property to be purchased to ensure that the price aligns with the loan application. This fee is charged to the buyer and ranges from IDR 500,000 to IDR 2,000,000, depending on the size and location of the house. <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b37df elementor-widget elementor-widget-image\" data-id=\"a2b37df\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1738479021471-d5bfcc169e10?ixlib=rb-4.1.0&#038;ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D&#038;auto=format&#038;fit=crop&#038;q=80&#038;w=870\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Ilustrasi Biaya-Biaya Tambahan dalam Membeli Rumah<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bbead3 elementor-widget elementor-widget-heading\" data-id=\"2bbead3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Notarial Deed<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8720d2 elementor-widget elementor-widget-text-editor\" data-id=\"d8720d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The mortgage application process requires numerous legal documents. Therefore, you will need the assistance of a notary during the mortgage application process, which will certainly increase the costs involved. The amount varies depending on the value of the house and the complexity of the legal process. Other items included in this notary fee are:   <\/p><ul><li>Certificate verification fee<\/li><li>Deed of Sale and Purchase (AJB) fee<\/li><li>Deed of Mortgage Encumbrance (APHT) fee<\/li><li>Certificate name transfer fee<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c61043 elementor-widget elementor-widget-heading\" data-id=\"3c61043\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Customs &amp; Taxes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a64b45 elementor-widget elementor-widget-text-editor\" data-id=\"6a64b45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>By purchasing a house, you need land or building rights. Therefore, you will need to pay taxes, namely the Land and Building Acquisition Tax (BPHTB), which varies by region. There is also VAT (Value Added Tax) if purchasing a house from a developer; at the time of writing, the VAT rate is still 11%.  <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e57dafe elementor-widget elementor-widget-heading\" data-id=\"e57dafe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7. Insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c18cf28 elementor-widget elementor-widget-text-editor\" data-id=\"c18cf28\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Some banks also encourage mortgage customers to take out insurance, some examples of which are:<\/p><ul><li>Life Insurance: Protects the bank from the risk of default if the borrower dies.<\/li><li>Loss Insurance: Protects the house from damage, disasters, fire, and other risks.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2e42e5 elementor-widget elementor-widget-heading\" data-id=\"f2e42e5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8. First Installment<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2a8d25 elementor-widget elementor-widget-text-editor\" data-id=\"b2a8d25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Some banks or developers require an initial first installment payment. Ensure this fund is available early. Even if there are no fees, this can act as a safety net in case of future financial difficulties. The amount will, of course, be based on the agreed-upon monthly installments.   <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed37e2 elementor-widget elementor-widget-text-editor\" data-id=\"3ed37e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>With this explanation of the fees, you can better prepare yourself before purchasing a home using a mortgage. Plan carefully according to your financial situation to make your installment payments more comfortable. If you&#8217;re interested in applying for a home mortgage in Depok, YUKARI Sawangan is here to meet your needs. You can contact us at 0823-1133-4579 (WhatsApp), visit us via <a href=\"https:\/\/www.instagram.com\/yukarisawangan\/\">Instagram DM<\/a>, or visit the official YUKARI Sawangan website <a href=\"https:\/\/tacthome.co.id\/yukari\/en\/\">here<\/a>.  <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Interior of YUKARI Sawangan Type A When considering house price promotions or installment plans, prospective buyers often feel that the installment payments are already within their financial means. This is a common misconception. When buying a house, especially with a mortgage (KPR), there are initial costs that must be prepared for during the mortgage application [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":7511,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-10613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prepare These Costs Before Buying a House! - PT. Tact Home Indonesia<\/title>\n<meta name=\"description\" content=\"When buying a house, especially with a mortgage (KPR), there are initial costs that must be prepared for during the mortgage application process. 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